Core Viewpoint - The National Development and Reform Commission emphasizes the need to boost domestic consumption and enhance residents' consumption capacity through various strategic initiatives [1] Group 1: Enhancing Consumption Willingness - The government plans to implement special actions to stimulate consumption and stabilize major consumer goods [1] - Policies will include trade-in programs for consumer goods and the promotion of new consumption scenarios through brand leadership, standard upgrades, and new technology applications [1] - Support will be provided for emerging economic sectors such as the first-release economy, event economy, and e-commerce [1] - Key projects will be launched in areas like elderly care, childcare, health, and cultural tourism to meet the demands of consumption upgrades and population aging [1] Group 2: Strengthening Consumption Capacity - Employment policies will be prioritized to stabilize and expand job opportunities, with a focus on optimizing the entrepreneurial environment [1] - A plan to increase residents' income share in national income distribution and improve labor remuneration in the initial distribution is outlined [1] - The government will enhance inclusive policies aimed directly at consumers and increase funding for social welfare expenditures [1] - Efforts will be made to promote equal access to basic public services and support for childbirth and parenting [1]

人民财讯12月16日电，中共国家发展和改革委员会党组在《求是》杂志发表文章《坚定实施扩大内需战 略》，文章指出，着力释放居民消费潜力。一方面，大力提升居民消费意愿。深入实施提振消费专项行 动。加力稳定大宗消费，实施好消费品以旧换新政策。强化品牌引领、标准升级、新技术应用，打造一 批带动面广、显示度高的消费新场景。支持首发经济、赛事经济、电子商务等发展。顺应消费升级、人 口老龄化、促进出生人口增长等需要，在养老、托育、健康、文旅等消费配套设施领域实施一批重点项 目。大力实施城市更新，抓好停车场、老旧电梯更新等民生微项目。进一步拓展入境消费，提升便利化 水平。另一方面，切实增强居民消费能力。强化就业优先政策，多渠道稳定和扩大就业，优化创业促进 就业政策环境，支持重点群体就业。实施城乡居民增收计划，提高居民收入在国民收入分配中的比重， 提高劳动报酬在初次分配中的比重，努力实现居民收入和经济增长同步、劳动报酬提高和劳动生产率提 高同步。加大直达消费者的普惠政策力度，增加政府资金用于民生保障支出。健全社会保障体系，稳步 推进基本公共服务均等化，加大生育养育支持力度。 ...

Group 1: Core Insights - The recent guidance from six departments, including the People's Bank of China, aims to enhance the consumption capacity of residents by optimizing the insurance system and increasing consumer willingness [1] - Insurance institutions are responding by increasing the supply of commercial pension products, improving health insurance claims efficiency, and innovating tourism insurance products, thereby alleviating the financial burden of aging and healthcare on residents [1][3] Group 2: Promoting Pension Wealth Accumulation - Commercial pension insurance products, such as personal pensions and dedicated commercial pension insurance, provide long-term wealth accumulation and stable income, enhancing financial planning for retirement [2][3] - Households with commercial insurance experience a reduction in savings rates by approximately 5% to 10% and an increase in consumption expenditure by about 8% to 12% [3] Group 3: Reducing Medical Expense Pressure - High medical expenses significantly impact disposable income, but insurance can mitigate these costs, as demonstrated by a case where a patient faced no out-of-pocket expenses due to insurance coverage [4] - The insurance sector is exploring new models that combine health insurance with health management to better meet diverse health and retirement needs [4] Group 4: Expanding Coverage of Tourism Insurance - Tourism insurance plays a crucial role in stabilizing the tourism market and promoting consumption growth, as evidenced by a case where a tourist received compensation for medical expenses due to an accident [6] - The insurance industry is actively developing innovative accident insurance products to support the growing demand for senior tourism and enhance consumer confidence [6]